Premium Personal Guard Policy

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Key Features

  • Hospital confinement allowance up to 30 days of hospitalization
  • 10% cumulative bonus for each claim free year
  • 15 days free look up period
  • Quick claim settlement
  • In-house health admin team
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Secure Yourself And Your Family Against The Uncertainties Of Life

Premium Personal Guard Policy supports you in the hour of crisis and helps you to sustain the unforeseen risks. This policy provides security for the future and ensures complete peace of mind for you and your family.

Premium Personal Guard covers the insured against bodily injury or death caused due to accident and offers high sum assured ranging from 10 lakhs to 25 lakhs.

Why Health Insurance?

Why Health Insurance?

What our customers say about us!

What Coverage Do I Get?

  • This policy covers the insured in case of Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & Death
  • Hospital confinement allowance
  • Accidental Hospitalization Expenses
  • Tie-up with more than 6000 Hospitals across the country

Health Administration Team

  • The team consists of doctors and para medics who are responsible for health underwriting and claims settlement.
  • Provides single window assistance to all the health insurance policy holders for all health care related services.
  • Faster Claim Settlement due to single point of contact.
  • Effective and quick in resolving customer queries/better and systematic redressal mechanisms.
  • Control over Claims Settlement and Customer service.

Meet the best Health Administration Team

Health Administration Team

Key Benefits

  • 10% cumulative bonus benefit for each claim free year, maximum up to 50%. Cumulative bonus would be passed if continuously renewed with us.
  • Free Look Period: If you would not be satisfied with the coverage, and terms and conditions of the policy, you have the option of canceling the policy within 15 days of receipt of the policy documents, provided there has been no claim.
  • Due to unavoidable reasons, sometimes dates get pushed back a little. That's why you now have a grace period of 30 days for renewing your existing Bajaj Allianz policy. The policy will be considered as continuous for all the waiting periods.
  • Now you will no longer be charged higher premium if there has been a claim in the previous policy!

Claim Process

Claim Process


  • Accidental Bodily Injury that you met while:
  • Suicide, attempted suicide or self inflicted injury or illness.
  • Under the influence of liquor or drugs.
  • Arising or resulting from the insured person(s)
  • Committing any breach of law with criminal intent.
  • Engaging in aviation or ballooning, whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as a passenger (fare paying or otherwise) in any duly licensed standard type of aircraft anywhere in the world.
  • Participating as the driver, co-driver or passenger of a motor vehicle during motor racing or trial runs.
  • As a result of any curative treatments or interventions that you carry out or have carried out on your body.
  • Arising out of your participation in any naval, military or air force operations whether in the form of military exercises maintained without a break or war games or actual engagement with the enemy, whether foreign or domestic.
  • Your consequential losses of any kind or your actual or alleged legal liability.
  • Venereal or sexually transmitted diseases.
  • HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or mutant derivatives or variations thereof however caused.
  • Pregnancy, resulting childbirth, miscarriage, abortion, or complications arising out of any of these.
  • War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority.
  • Nuclear energy, radiation.

* The information given above is only indicative in nature. For details of the coverage and exclusions, please contact our nearest office.